Top 9 Buy Here Pay Here Dealers in North Charleston SC

Looking for a used car dealer in North Charleston SC but your credit is in bad shape?

Connect with top 9 buy here pay here North Charleston SC car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of North Charleston's BHPH dealers is compiled after an extensive research based on customers’ reviews, rating, and location.

Favorable Outcomes:

  • Bad credit accepted
  • No or little down payment
  • Hassle-free process

Best Buy Here Pay Here Dealers in North Charleston SC

  • Payless Car Sales, SC

  • Cook Motor Company, SC

  • Tru Auto, SC

  • SC Auto Sales, SC

  • CJ Auto Sales LLC, SC

  • Have you ever considered buy here pay here North Charleston SC car dealerships? If so, have you heard of them? There are many advantages to buying a car through a buy here pay here dealerships in North Charleston SC compared to purchasing a vehicle through an individual or a private seller. The biggest difference between a North Charleston buy here pay here dealerships and a typical local dealership is that with buy here pay here dealers, nearly everything goes through your local auto dealer directly. This means that the monthly bills are made to your local auto dealer, not through some bank or other outside lender, and that the actual financial contract for your car is between you and the dealer only, instead of a bank or other outside lender. Here we have listed best such dealers sorted by reviews rating and everything you need to know about. We have also created a complete profile of each dealer so you can get everything including of contact details at one place for your next car purchase.

    When a buyer needs to purchase a vehicle, they will need to approach the North Charleston dealer with financing needs. The financing will depend on many things, including the amount of the down payment, the credit score of the buyer, and the income of the buyer in North Charleston. Many people fail to take the time to do proper research when they are shopping for a vehicle. They either go with the first financing company that they see or end up getting sold a "bad credit borrower" vehicle.

  • TruAuto, SC

  • Coliseum Motor Cars, LLC, SC

  • Advanced Auto Sales, SC

  • Burke Auto, SC

  • Why buy here pay here North Charleston SC car dealerships is the right option?

    Usually, when you sign a contract to buy a car with a traditional car dealership, it involves a third party to provide loan for the vehicle. These auto lenders generally have very strict standards for getting the car loan approved. Therefore, the people with bad credit have to deal with car loan rejection. This is where Buy Here Pay Here North Charleston SC car dealership comes which provides easy loan for the vehicle. With a buy here, pay here dealership, the dealer takes care of the entire buying process from selling the car to financing the car on its lot.

    BHPH North Charleston SC dealerships work with a very straightforward process where buying a car and getting financed at the same time is made pretty simple. They specially work with people with poor or no credit. So no worries even if you have poor credit. Most of the time, the customer can drive their new vehicle the same day they visited the shop. This is an amazing experience you will ever have.

    How Buy Here Pay Here North Charleston SC Works

    When the bank says no to your car loan, the buy here pay here North Charleston SC car lots comes to guide you in the right direction to help you get the car of your choice. The process of buying used cars from a buy here pay here North Charleston SC dealer is pretty simple which starts with your visit to any of the dealers listed here. You tell them your car requirement including a specific car model you’re looking for and overall budget. Based on your budget, the dealer shows you a number of cars with desired car models. Once you find the car of your choice, the dealer works with their own exclusive lender for financing the car. The dealer completes the small paper work and hands over the vehicle to you mostly on the same day.

    Buy Here Pay Here North Charleston SC car lots – In-House Financing with Zero Down Payment

    After considering your monthly income and current situation, the dealer may offer you the purchase with no down payment at all. Even if there is any scope of down payment depending upon credit and the price of the vehicle then it starts with a very small amount. Overall, they provide you very customized and flexible financing option that best suits your particular situation.

    Usually, the payment cycle runs monthly and the loan term can run between 6 months to 5 years, heavily depend on the price of the car and the upfront payment you make.

    To make the buying process easier, most of the buy here pay here dealers don’t require expensive full coverage car insurance instead they provide vehicle with full coverage that covers repair and maintenance part. This ensures that the vehicle is fully protected.

    Know the Facts - Buy Here Pay Here North Charleston SC Car lots Dealership

    The one thing is very true about buy here pay here North Charleston SC is that it brings you the best conditioned cars with low miles and a good engine and all is made available at flexible financing options. But when you get your vehicle financed through a dealer’s in-house financing, the interest rates on loan are higher than the loan from a bank or credit union.

    The most of the buy here pay here dealers report the customers’ payment record to significant credit bureau which results into a positive effect on your credit score. Thus, by making timely payment, it does help to improve your credit score.

    Because these North Charleston SC dealers deal with people with poor credit, so there is high risk in financing the vehicle to such people and that is why most of the vehicles are installed with tracking device to help locate the vehicle’s current location for repossession, in case the customer fails to make the payment.

    Buy Here Pay Here North Charleston SC – Fast Approval Low or no credit score

    The buy here pay here North Charleston SC dealers come with their in-house financing program that doesn’t take more than an hour to process the loan. This is a kind of service you will not get from regular dealers. This saves you a lot of time as well as gives you a hassle free car buying experience.

    Unlike regular dealers, BHPH dealers are more transparent about their pricing and terms of loan which gives peace of mind to the customers.

    BHPH North Charleston SC Dealer – Preapproval of Application

    However, it is mandatory to visit the dealer shop to find the vehicle of your choice, but if you want to confirm beforehand whether the dealer will accept your loan application or not, then you can send your requirement online. Once the BHPH North Charleston SC dealer confirms the approval of your application, you can schedule your visit to make the purchase. This again saves you time that you would have spent at dealership.

    Advice on BHPH dealership North Charleston SC

    Generally, we advice customers to go to the traditional lenders first such as banks, credit unions, or finance company. But if your application gets rejection from all of these traditional options then BHPH dealers are the one who can make things possible for you irrespective of your poor credit score.

    Unlike traditional lenders, BHPH dealers understand the fact that genuine people may have bad credit score either due to huge medical bills or unexpected divorce or any other family issues. Therefore, they show the trust on these people and make the purchase possible for them.

    Average Credit Score to Buy a Used Car from BHPH dealer North Charleston SC

    The credit score becomes very crucial when it comes to getting loan approval especially when it is through traditional financer like bank or credit union.

    If a customer is looking to buy a used car through traditional financing in North Charleston SC, then credit score of that customer must be above 600. Anything below 600 only leads to application rejection.

    While buy here pay here North Charleston SC accepts the request of these customers also who have credit score below 600. They provide loan on used car through special financing program. Thus, BHPH North Charleston SC is a great option for those who have poor bank record and bad credit score.

    The credit score does not only determine the approval or rejection of the loan application but it also determines the interest rate. The lower the credit score will be, higher the interest rates you will pay. The BHPH dealers vary in interest rates, so you should compare their interest rates properly before venturing into any agreement.

    North Charleston SC buy here pay here Reviews

    Here is what users says about North Charleston BHPH dealers listed here. You can read reviews of individual dealer at their profile page.

    1. buy here pay here North Charleston dealer review by Brooke Miller

      Brooke Miller rated Payless Car Sales

      Brandon and Paul were awesome. I was very specific with what I wanted and though the car was not on the lot, they found it within in two days. Very honest and dependable and will not go anywhere else for a vehicle. These guys are awesome!!!

    2. buy here pay here North Charleston dealer review by Sarah Foreman

      Sarah Foreman rated Payless Car Sales

      Marlon is the bomb. com. He is very professional and friendly he helped me hands on from start to finished. He’s not pushy and very understanding. Payless your the best Marlon your awesome ?? and I’m grateful that you were my salesmen. Go see Marlon!!!

    3. buy here pay here North Charleston dealer review by travupc .

      travupc . rated Cook Motor Company

      Great group of guys at Cook Motor Company. Shawn, Bill & Bernie all were great to help me get into a 2015 Mustang GT. Gave me a more than fair offer on my trade-in. Also, gave a fantastic deal on the car. No pressure salesman’s. They’ll do their best to get you into what you want. Would absolutely do business with this company again. Thanks again guys!

    4. buy here pay here North Charleston dealer review by Scott Culleny

      Scott Culleny rated Cook Motor Company

      I will never go anywhere else ever again. 1st off i did not feel pressured or talked into anything (those of you who've bought a car know what i mean). Alton was the gentleman who took care of me. Top shelf all the way!. He was polite, understanding and patient. Mr. Bernie (financing) is the man. That sums it up. He found me the best options, and then dug alittle deeper just in case, and he found one more, and that was what we were waiting for. Now because of Mr.Bernie, Alton, and the guys at cooks, im in the truck ive been wanting for years. At a price an payment that makes sense for me. Thank you guys at cooks, for making my 1st time buying experience worth coming back for the next one.

    5. buy here pay here North Charleston dealer review by Shawn Lake

      Shawn Lake rated Tru Auto

      Bailey Lindsey is awesome. I went to Tru Auto and he worked with me until he found me exactly what I needed and in reality wanted. He spent hours until he found me the perfect vehicle in my price range and the mileage that I was looking for. Just one peice of advice to the potential customer: secure your own financing first, if you are able. As great as Bailey is at finding you what you want, most people can probably find better interest rates at their Bank it Credit Union.

    6. buy here pay here North Charleston dealer review by Virgil Maralit

      Virgil Maralit rated Tru Auto

      Customer Sales Review: *****5-Stars We stopped by on a Wednesday evening 30 mins before closing so as to hopefully not draw attention from a sales person to just take a peek at a 2010 Nissan Armada. After about 10 mins Ms. Dena approached and greeted us with a smile from ear to ear. After telling us about the vehicle, I asked what time they closed and she replied, she would be there as long as we were there. We were somewhat skeptical of her optimism and confidence in getting us approved for a purchase, but sure enough we found ourselves walking through the doors at 9am on a Saturday morning and leaving with keys in hand around noon. We knew we were in trouble when we noticed the award on her desk for the “2018 Employee of the Year!” As much as I wanted to try and negotiate a lower asking price, the friendliness and ease of the sales process sabotaged any strong arm tactics I had in mind. Thank you to Ms. Dena and the Tru Auto staff of N. Charleston for getting our ever growing family into a much needed and larger vehicle. Here’s to all the road trip memories to come! Maintenance Service Update: **5-Stars After speaking with John about issues with our recent purchase, we were advised to bring it to Two Brothers Automotive where Jose replaced 2 ignition coils and took the initiative to replace a faulty radiator cap which I forgot to mention was leaking. He was very friendly and professional. I will definitely consider returning for any maintenance issues. John was able to set us up with a loaner vehicle to accommodate our family of 7. We were able to make our weekend trip as planned and even scored a meet and greet with the Carolina Panthers players! Thank you John for coming through in a big way! Our interaction with Logan, however was very disappointing. I will spare the details but will leave a few points of customer service to ponder: 1-Never make the customer feel as they are an inconvenience by them taking advantage of a policy the company has implemented. 2-Never verbalize or prioritize profits over customer service in front of the customer. 3-Never speak negatively of your co-workers or policies in front of the customer; keep it professional. Thank you Ms. Dena and John for your customer service and follow through!

    7. buy here pay here North Charleston dealer review by Deanne Culleny

      Deanne Culleny rated SC Auto Sales

      We were having no luck at finding a car, so when we stumbled on to this lot we found one of the Best car lots I have ever been on. We purchased a 2006 Dodge Durango loaded it was everything we were looking for! First Howard Thank you so much, this experience was so easy from the test drive to you handing us the keys! The moment I started talking to to him I felt comfortable that no matter what car we bought from this lot it would be a good choice. FYI every car has a car fax report in it for you to see! I will recommend SC Auto Sales to everyone I know! Thank you guys, you have a loyal customer in us!

    8. buy here pay here North Charleston dealer review by Google User

      Google User rated SC Auto Sales

      Great customer service. I went in and got exactly what i wanted and at a great price. Thank you Howard for bring so great!!!

    9. buy here pay here North Charleston dealer review by Jay Brookins

      Jay Brookins rated CJ Auto Sales LLC

      Five stars for the car I love my 2012 Honda Pilot but I been waiting on my tags a little to long other then that my car has been perfect ?? Just hurry with my tags already please ??

    10. buy here pay here North Charleston dealer review by janet valencia

      janet valencia rated CJ Auto Sales LLC

      Dona Maria is awesome and works with you!

    11. buy here pay here North Charleston dealer review by DEBBIE CHARLESTON

      DEBBIE CHARLESTON rated TruAuto

      Mike Copeland is a Honest, down to earth General Manager. Mike is never pressuring and strives to help EVERYONE, whether you have good credit or bad. His consistent, upbeat and positive attitude is so contagious or atleast should be by anyone fortunate enough to work with or be in his presence. Go to TruAuto on Hwy 78 and ask for Mike, he'll get you in a car you'll love.

    12. buy here pay here North Charleston dealer review by Brenda Lee

      Brenda Lee rated TruAuto

      Upon completing my vision board for the year I posted it on Facebook. My dream car happened to ne on that board. (Lexus). A close childhood friend, Tishia Eady, (Ladson Location) ran across my post. Needless to say I had my dream car parked in my yard 2 weeks later! No hassle, quick process! I would recommend anyone looking for a vehicle to hit her up! She will get you exactly what you want!

    13. buy here pay here North Charleston dealer review by Dave Long

      Dave Long rated Coliseum Motor Cars, LLC

      I bought a 2007 Hummer H3 on January 21st, 2020. Johnny, the owner of the dealership, was very friendly and definitely knew the customer service aspect of his business. Initially, I pointed out to Johnny that one of the speakers was making a crackling noise, so he had it replaced for me. In addition, Johnny went out of his way to fix a couple other issues that I had with the vehicle, even though I purchased it in “as is” condition as that’s how used car clauses are in the State of South Carolina and probably most other States. Anyway, about a month after I had the vehicle, the front right wheel bearing went out. He replaced that for me at no charge. I then had a manifold issue, and he had that fixed for me at no charge as well! The only thing I regret, during the purchasing process of the Hummer, is that I did not purchase the extended warranty that Johnny encouraged me to get through the lending agent.

    14. buy here pay here North Charleston dealer review by brian Thomas

      brian Thomas rated Coliseum Motor Cars, LLC

      Car dealer is extremely nice and honest. I felt good about the cars he was showing me and he kept what I was looking for a priority. They have been in business a while and they will show you why. Great little place.

    15. buy here pay here North Charleston dealer review by Louise Prevost

      Louise Prevost rated Advanced Auto Sales

      Hi i bought a van from them a year ago and havent had any problems and they work with you the staff is very friendly and professional

    16. buy here pay here North Charleston dealer review by Brenda Scott

      Brenda Scott rated Advanced Auto Sales

      They are always friendly and helpful

    17. buy here pay here North Charleston dealer review by Ethel Birch

      Ethel Birch rated Burke Auto

      They were very helpful and friendly. They worked with us until we got what we needed. I will definitely be sending family and friends to see them.

    18. buy here pay here North Charleston dealer review by Tavi Johnson

      Tavi Johnson rated Burke Auto

      Great costumer service willing to work with you great atomsphere

    BHPH North Charleston SC dealer

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